Which Debit Card to use for Credit Card Bill Payment in July 2025

[HumorSimpson]

Try with idfc rupay on phone pe. No convenience charges and you might get reward points

few posts ago, @INN has posted that he didn't get.

 

[H4CK_H0PP3R]

Depends bro. I a lot of users would be happy with lets say 1% reward in form of Amazon shopping voucher. Since they use Amazon a lot. Maybe its not beneficial for you.

I have icic az cc & cb cc cards like swiggy so maybe yes asv might be not helpful as I already get 5% on shopping. If it was apay I would have not thought much. Not sure what is left for being happy by paying 0.6% extra..0.3% is ok but 0.6% no ok for me for big amount. Right now it's just last option Else sbi VDC

 

[nikhilesh71]

Try with idfc rupay on phone pe. No convenience charges and you might get reward points

IDFC RUPAY on phonepe won't fetch you any rewards.

 

[H4CK_H0PP3R]

Absolutely

You would earn approx 1700-1750 after fees of phonepe and redemption fees on IDFC app.

Can you give example with one of day to day basis voucher such as Asv or similar?

 

[HumorSimpson]

Is it worth paying extra 900rs charges (0.6% of 1.5L bill) for I d f c select account? Is it really worth after conversion. if yes how & for what? As I know we can't convert to cash.

First 50K you get 0.5% cb rs
Next its 2.5% cb in rs

so your cashback is (50000*0.5 + 100000*2.5)/100 = 2750 rs


for detailed analysis
https://www.technofino.in/community...ate-requirements-disucssion.31753/post-791385

 

[H4CK_H0PP3R]

I'm also in same dilemma. Imho I don't think so if it's worth. Imagine not getting reward points or idfc removing asv from redemption. If you have small bill, maybe divide in parts for 0.3 percent surcharge

Yeah but for that check previous post & look for merchant shared by many & then only proceed & yeah we cannot confirm if asv or one of important voucher will stay forever..

 

[H4CK_H0PP3R]

Try with idfc rupay on phone pe. No convenience charges and you might get reward points

Nope it's not working for sure & It's not small amount to try 😅

 

[kev569]

Can you give example with one of day to day basis voucher such as Asv or similar?

ASV, Amazon Fresh and Bigbasket.

 

[kev569]

Right now it's just last option Else sbi VDC

What is the rewards ratio here?

 

[H4CK_H0PP3R]

First 50K you get 0.5% cb rs
Next its 2.5% cb in rs

so your cashback is (50000*0.5 + 100000*2.5)/100 = 2750 rs


for detailed analysis
https://www.technofino.in/community...ate-requirements-disucssion.31753/post-791385

Thank you bro for calculation but how it's cb in rs? We can't redeem to cash right? That's why I am looking for practical example & it's calculation with voucher as only voucher is redemption option we have. Then I will be checking it's market % rate if it's actually worth spending extra 0.6% or not.

 

[HumorSimpson]

Thank you bro for calculation but how it's cb in rs? We can't redeem to cash right? That's why I am looking for practical example & it's calculation with voucher as only voucher is redemption option we have. Then I will be checking it's market % rate if it's actually worth spending extra 0.6% or not.

by rs i meant cash equivalent instead of points . so you can redeems that 2750 rs worth GVs like asv . There is a redemption of 99+gst though.

 

[H4CK_H0PP3R]

What is the rewards ratio here?

I guess 0.25% & cc bill payment was possible earlier with those points which option removed now. I am not aware of latest updates though.

 

[theXfactor]

Is it worth paying extra 900rs charges (0.6% of 1.5L bill) for I d f c select account? Is it really worth after conversion. if yes how & for what? As I know we can't convert to cash.

In case you have already spent 50K in a month and this payment is over and above 50K then it makes sense as it would be 2.5% reward rate regardless of the DC variant...and in this case you will end up getting 1.9% net which is a pretty good reward rate for a DC and that too for CC payments. Also, if you have huge bill, say, 1.5L-2L or more than too it makes sense. For anything < 50K in total a month, it wouldn't as for Wealth DC it'd be just 4 points/150 Rs...reward rate is mere 0.67%, paying 0.6% doesn't make sense and I wouldn't do it.

 

[H4CK_H0PP3R]

by rs i meant cash equivalent instead of points . so you can redeems that 2750 rs worth GVs like asv . There is a redemption of 99+gst though.

It means 2750 worth gv we get free right? ..now I get it ..thanks

 

[abhimittal007]

Date: 13 Aug 25
Amount: 1197
App: PhonePe
DC: IDFC RuPay DC
OTP merchant: "PHONEPEPRI"
Rewards: No

Date: 13 Aug 25
Amount: 1805.4 (incl. fee)
App: Phonepe Pvt Ltd
DC: IDFC Visa DC
OTP merchant: "PhonePe Pv"
Rewards: No

 

[HumorSimpson]

Date: 13 Aug 25
Amount: 1805.4 (incl. fee)
App: Phonepe Pvt Ltd
DC: IDFC Visa DC
OTP merchant: "PhonePe Pv"
Rewards: No

Till Now

IDFC VISA DC on phonepay .

OTP merchant: "PHONEPEPRI" ,"PhonePe Pv", -> NO
OTP merchant: "phonepe" -> YES


LETS STICK TO ONLY THIS , NOT OTHER TOPICS PLEASE
IDFC RUPAY DC IS GONE CASE, DON'T BRING THIS AGAIN

 

[ujjwal2024]

In case you have already spent 50K in a month and this payment is over and above 50K then it makes sense as it would be 2.5% reward rate regardless of the DC variant...and in this case you will end up getting 1.9% net which is a pretty good reward rate for a DC and that too for CC payments. Also, if you have huge bill, say, 1.5L-2L or more than too it makes sense. For anything < 50K in total a month, it wouldn't as for Wealth DC it'd be just 4 points/150 Rs...reward rate is mere 0.67%, paying 0.6% doesn't make sense and I wouldn't do it.

no for normal 10k, 25k account will fetch 1.67% after 50k

 

[iamgroot]

Try with idfc rupay on phone pe. No convenience charges and you might get reward points

merchant name ky he

 

[nikhilv0303]

SBI vdc gives points on unipay or stopped?

 

[saber.mbt]

SBI vdc gives points on unipay or stopped?

It gives points. I received 2 days ago